Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)...

29
1 BANKING AT A GLANCE IN GUJARAT STATE – SEPTEMBER, 2017 PARAMETERS September, 2016 March, 2017 September, 2017 GROWTH Y-O-Y (Sept., 16 to Sept, 17) GROWTH OVER MARCH 2017 TOTAL No. OF BRANCHES 9176 9325 9250 74 (-) 75 CATEGORY OF BRANCHES RURAL 3744 3663 3564 (-) 180 (-) 99 SEMI - URBAN 2154 2217 2246 92 29 URBAN 1230 1317 1311 81 (-) 06 METRO 2048 2128 2129 81 01 TOTAL 9176 9325 9250 74 (-) 75 KEY INDICATORS (Amt. Rs. in Crores) DEPOSITS 5,67,700 (5.49%) 6,23,787 (15.92%) 6,31,738 (1.27%) 64,038 (11.28%) 7,951 (1.27%) ADVANCES 4,48,774 (3.99%) 4,60,030 (6.60%) 4,89,833 (6.48%) 41,059 (9.15%) 29,803 (6.48%) CREDIT DEPOSIT RATIO 79.05 73.75 77.54 (-) 1.51 3.79 PS ADVANCES (% Growth ) (% to advances) 1,97,000 (7.11%) (45.65%) 2,20,217 (19.73%) (51.03%) 2,17,417 (-) 1.27% (47.26%) 20,417 (10.36%) (1.61%) (-) 2,800 (-) 1.27% (-) 3.77% AGRI ADVANCES (% Growth) (% to advances) 70,423 (14.62%) (16.32%) 72,212 (17.54%) (16.73%) 78,276 (8.40%) (17.02%) 7,853 (11.15%) (0.70%) 6,064 (8.40%) (0.28%) MSME ADVANCES (% Growth) (% to advances) 82,796 (-) 0.35% (19.19%) 87,272 (5.04%) (20.22%) 90,046 (3.18%) (19.57%) 7,250 (8.76%) (0.39%) 2,774 (3.18%) (-) 0.65% WEAKER SEC.ADV (% Growth) (% to advances) 35,072 (14.86%) (8.13%) 35,901 (17.58%) (8.32%) 39,730 (10.67%) (8.64%) 4,658 (13.28%) (0.51%) 3,829 (10.67%) (0.32%) Position of Kisan Credit Cards for the period ended September, 2016 March, 2017 September, 2017 GROWTH Y-O-Y (Sept., 16 to Sept, 17) GROWTH OVER MARCH 2017 Accounts 29,85,804 29,26,889 29,45,376 (-) 40,428 18,487 Amount 37,642 35,648 45,321 7,679 9,673

Transcript of Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)...

Page 1: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

1

BANKING AT A GLANCE IN GUJARAT STATE – SEPTEMBER, 2017

PARAMETERS September,

2016 March, 2017

September, 2017

GROWTH Y-O-Y

(Sept., 16 to Sept, 17)

GROWTH OVER

MARCH 2017

TOTAL No. OF BRANCHES

9176 9325 9250 74 (-) 75

CATEGORY OF BRANCHES

RURAL 3744 3663 3564 (-) 180 (-) 99

SEMI - URBAN 2154 2217 2246 92 29

URBAN 1230 1317 1311 81 (-) 06

METRO 2048 2128 2129 81 01

TOTAL 9176 9325 9250 74 (-) 75

KEY INDICATORS (Amt. Rs. in Crores)

DEPOSITS 5,67,700 (5.49%)

6,23,787 (15.92%)

6,31,738 (1.27%)

64,038 (11.28%)

7,951 (1.27%)

ADVANCES 4,48,774 (3.99%)

4,60,030 (6.60%)

4,89,833 (6.48%)

41,059 (9.15%)

29,803 (6.48%)

CREDIT DEPOSIT RATIO

79.05 73.75 77.54 (-) 1.51 3.79

PS ADVANCES (% Growth ) (% to advances)

1,97,000

(7.11%) (45.65%)

2,20,217

(19.73%) (51.03%)

2,17,417

(-) 1.27% (47.26%)

20,417

(10.36%) (1.61%)

(-) 2,800

(-) 1.27% (-) 3.77%

AGRI ADVANCES

(% Growth) (% to advances)

70,423

(14.62%) (16.32%)

72,212

(17.54%) (16.73%)

78,276

(8.40%) (17.02%)

7,853

(11.15%) (0.70%)

6,064

(8.40%) (0.28%)

MSME ADVANCES

(% Growth) (% to advances)

82,796

(-) 0.35% (19.19%)

87,272

(5.04%) (20.22%)

90,046

(3.18%) (19.57%)

7,250

(8.76%) (0.39%)

2,774

(3.18%) (-) 0.65%

WEAKER SEC.ADV (% Growth) (% to advances)

35,072

(14.86%) (8.13%)

35,901

(17.58%) (8.32%)

39,730

(10.67%) (8.64%)

4,658

(13.28%) (0.51%)

3,829

(10.67%) (0.32%)

Position of Kisan Credit Cards for the period ended

September, 2016

March, 2017

September, 2017

GROWTH Y-O-Y

(Sept., 16 to Sept, 17)

GROWTH OVER

MARCH 2017

Accounts 29,85,804 29,26,889 29,45,376 (-) 40,428 18,487

Amount 37,642 35,648 45,321 7,679 9,673

Page 2: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

2

AGENDA No.1

Confirmation of the proceedings of last meeting

The proceedings of the 154th meeting of State Level Bankers’ Committee for the quarter ended June, 2017 held on 16th September, 2017 were circulated to all the members on 23rd October, 2017. Since no comments / amendments have been received from any of the members, the House is requested to confirm the same.

AGENDA No.2

FOLLOW-UP ACTION ON PENDING ISSUES:

Sr. Issues Action taken 1 Pending land related

issues of various RSETIs

Approval of lay out plan of RSETI Ahmedabad is still pending despite the continuous follow up since last 2 years. Moreover, the matter was also taken up RBI vide its letter dated 4th December, 2017 to the Chief Secretary, Govt. of Gujarat.

Govt. of Gujarat is requested to take up the matter with concerned district authority to resolve the issue.

2 Development of online portal for sponsoring and tracking of loan application of State Govt. Sponsored Schemes

Govt. of Gujarat has constituted a committee for “Developing a Common Web Portal for Bankable Schemes of Govt. of Gujarat”. Two meetings of the Committee were held on 10th August, 2016 and 25th October, 2016. The rollout of the portal is still awaited.

3 Approval of Special Financing Scheme for beneficiaries of Gujarat Govt. Ordinance No. 6 of 2016.

In the last SLBC meeting, the house had approved a special financing scheme for beneficiaries of Gujarat Government Ordinance No. 6 of 2016 regarding Validation of Occupancy and Allotment of Land and requested all Banks to get approval from their Board. The status of approval of special scheme is yet to be received from Banks. However, Dena Bank has approved the same which was informed to the Secretary, Revenue Department, Govt. of Gujarat vide SLBC letter dated 27.10.2017.

4 Updation of Banking outlets detail on SLBC portal.

In line with RBI’s revised guidelines on rationalisation of branch authorisation policy and enlisting URCs in the State, SLBC has introduced a portal for collection of “Banking Outlet” details from Banks. Banks were advised to complete the updation “Banking outlet” in the last SLBC meeting and also further reminded vide letter dated 24.12.2017, However, many Banks are yet to complete the updation of Banking Outlet details on SLBC portal.

Page 3: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

3

AGENDA No.3

IMPLEMENTATION OF FINANCIAL INCLUSION :

3.1 Pradhan Mantri Jan Dhan Yojana (PMJDY)

Progress under Opening of Accounts, issuance of RuPay Cards, and Aadhaar Seeding as of 30.11.2017 :

State No. of Accounts opened

Aadhaar Seeded

Accounts

% of Aadhaar Seeding

Total RuPay Cards issued

% of RuPay Card issued

Rural Urban Total

Gujarat 60,48,413 55,48,809 1,15,97,222 87,20,779 75.20% 92,60,646 79.85%

Bankwise details is enclosed as Annexure- A1.

As per the above report, only 75% of the PMJDY accounts have been seeded with Aadhaar number till the month ended November, 2017 and 17% of total accounts are Zero Banlance accounts.

Considering the amendment made in the Prevention of Money-laundering (Maintenance of Records) circulated vide Government of India circulated dtd. 01st June, 2017, Banks require to expedite the process of Aadhaar Seeding / Aadhaar authentication in all operative CASA accounts. The focus to be also given on reducing the number of Zero balance accounts.

As per the progress report dated 1st December, 2017 received from DFS, MoF, GoI, the Aadhaar Seeding in operative CASA accounts in the State stood at 72% and the average Aadhaar authentication stood at 44%, which is considerably below the National average of 76% and 48% respectively. Under Mobile Number Seeding, the performance of the State stood at 83% against the National Average of 79%. The Bankwise position is given in Annexure – A2. Banks require to expedite the process of Aadhaar Seeding & Aadhaar Authentication in all operative CASA accounts so that it would be completed within the stipulated deadline.

3.1.1 Deployment of Aadhaar Enrollment Kit at Bank branches:

General Administration Deptt., Govt. of Gujarat vide letter dtd.25/11/2017 forwarded the circular of Ministry of Electronics & Information Technology, UIDAI, (Enrolment & Update Division) Govt. of India, dtd. 09th November, 2017 on Deployment of Aadhaar Enrolment Kit at Bank branches.

In this circular, UIDAI requested Banks to refer their previous circular dtd. 07/10/2017 wherein following directives were given to the Banks :

- The Bank shall itself act as registrar as well as enrolment agency, procure the Aadhaar Enrolment Kit and deploy their own employee as enrolment operator cum supervisor & verifier.

- In exceptional circumstances, the Bank can outsource manpower for enrolment operator-cum-supervisor but Banks will need to own full responsibility for their conducts.

However, based on the feedback received from Banks, following revision has been made in the guideline vide circular dtd. 09th November, 2017:

Page 4: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

4

Banks may procure or hire Aadhaar Enrollment Kit, employ their own manpower or hire enrolment operator on contract either directly or through an appropriate agencies subject to certain conditions mentioned herein. A copy of the UIDAI circular dtd. 09th November, 2017 is attached as Annexure – B. 3.1.2 Treatment of accounts opened for credit of Scholarship amounts under Government schemes :

Finance Dept., GoG during a meeting held on 31/08/2017, raised concern about non-crediting of student scholarships and pension, under direct benefit transfer (DBT) scheme, to the beneficiaries’ bank accounts due to dormant and inoperative bank accounts.

Taking note of this, the issue was discussed in the last SLBC meeting and Banks were advised to ensure that accounts of all student beneficiaries under the central / state government scholarship schemes are free from restrictions of “Minimum Balance and Total Credit Limit” as per RBI circular dated. 1st September, 2014.

In addition, a special meeting had been organized by RBI and following major action points emerged out of the meeting:

i. Each bank to confirm that it has different ‘Product Code’ in its CBS meant for beneficiaries under various Central / State Govt. Schemes including scholarship schemes, in line with the RBI circular DBOD No.Leg.BC.53/09.07.005/2014-15 dated September 1, 2014.

ii. The Banks to further confirm that such product codes are free from being classified as in-operative / dormant due to non-operation as well as restriction of “minimum balance” and “total credit limit”.

Banks have to take note of the above action points and ensure compliance to avoid further cropping up of such issues.

Further, RBI also informed to DFS, MoF, GoI regarding passing on the above instruction to Banks and the communication made in this regard is attached as Annexure-C. 3.2 Social Security Schemes - PMSBY, PMJJBY and APY

Progress in enrollment under Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under:

Particulars PMJJBY PMSBY APY Total

Total enrollment 19,75,781 47,31,789 3,45,687 70,53,257

Bankwise progress report on enrollment under Social Security Schemes is given in Annexure- D1. From the available figure of enrollment under PMJJBY and PMSBY, it is apparent that Banks could record satisfactory growth under this parameter. As these policies have a very good settlement ratio i.e. 93 % and 95 % under PMSBY and PMJJBY respectively, Banks and Insurance companies to widely popularize these schemes, encouraging more number of people to get enrolled under these Scheme. Under Atal Pension Yojana, Banks are gradually improving their performance and have enrolled around 3.50 lacs people in the State. However, during the current

Page 5: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

5

financial year, Banks have so far achieved only around 20% of the given target and much effort is required to achieve the target within remaining months of the financial year. Bankwise %age of target achievement is given as Annexure – D2.

3.2.1 APY enrolment through e-NPS platform

PFRDA vide it’s mail dtd. 22/08/2017 informed that all Banks / DoP were advised by its letter dtd. 31.03.2017 to offer the facility of offering APY enrolment through e-NPS platform.

So far, 12 Banks in the State have enabled their customers to enroll for APY through e-NPS platform and remaining Banks and DoP are requested to expedite the process and offer the facility of e-NPS to their customers. To view the list of Banks enabled for e-NPS is visit the site https://enps.nsdl.com APY Applications Select your Bank.

3.3 Rationalisation of Branch Authorisation Policy – Revision of Guidelines

RBI vide it’s letter dtd. 18th May, 2017 issued the revised guidelines on Rationalization of Branch Authorisation Policy in which several changes were brought in alongwith redefining of the “Banking Outlets”.

As per the above guideline, State Level Bankers Committees (SLBC) shall enable the Banks to have information on Unbanked Rural Centres. In view of this, SLBC, Gujarat has introduced a portal wherein :

a. Banks have to update the details of “Banking Outlet” present in Tier 5 and 6 centres in the State

b. After receiving updates from Banks, SLBC would be able to enlist the “Unbanked Rural Centre (URC)” and display the same on it’s website. This list will facilitate Banks to choose/ indicate the place where they wish to open a “Banking Outlet”.

SLBC vide it’s letter dtd. 05th July, 2017 and further reminder dtd. 24th November, 2017 requested the Member Banks to update the details on the portal, however, as of 08.12.2017, there are 27 such Banks which have either not updated Branch / BC details on SSA portal of SLBC. Details of such Banks is given as Annexure – E.

Moreover, to enlist the “Unbanked Rural Centre (URC)” the “Banking Outlet” details of Payment Banks, Local Area Bank and licensed Urban Co-operative Bank is also required but as these entities are not members of SLBC, therefore, their details are also not available. RBI is requested to provide necessary guidance and support in this matter.

SLBC vide it’s letter dtd. 19th June, 2017 sought clarification from RBI on some points on banking outlets and the clarification was provided by RBI through their e-mail dtd. 29th August, 2017.

In response to SLBC letter wherein clarification was sought that whether the existing BC-ICT model deployed Banks can be classified as Banking Outlet, RBI vide letter dtd. 03rd October, 2017 advised that BC-ICT model deployed by the allottee bank is not the only criteria for Banking Outlet. Any model to be treated as Banking outlet has to fulfil certain parameters as envisaged in Para 3 of RBI Circuilar DBR. No.BAPD.BC.69122.01.00112016-17 dated May 18, 2017 viz. :

(a) Fixed point service delivery unit, manned by either bank's staff or its Business Correspondent,

Page 6: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

6

(b) Provision for delivery of banking services of acceptance of deposits, encashment of cheques / cash withdrawal or lending of money for a minimum of 4 hours per day for at least five days a week.

(c) carrying uniform signage with name of bank and authorization from it,

(d) contact details of the controlling authorities and complaint escalation mechanism,

(e) Displaying prominently working hours / days,

(f) Connectivity to CBS / Bank's server etc.

Hence, Banks were requested to take note of the above clarification given by RBI and accordingly report the opening of “Banking Outlets” to SLBC.

3.4 Aligning Roadmap for Unbanked Villages having population more than 5000 with revised guidelines on Branch Authorization Policy

RBI vide letter No. FIDD.CO.LBS.BC.No. 31 / 02.01.001 / 2016-17 dated 08th June, 2017, advised SLBC Convenor Banks to review and identify the Unbanked Rural Centres(URC) in villages with population above 5,000, in light of the revised guidelines on rationalisation of Branch Authorisation Policy and ensure that such unbanked rural centres in villages with population above 5000, if any, are banked forthwith by opening of Banking outlet. A confirmation stating that all Unbanked Rural Centres(URC) in villages with population above 5000 have been Banked to be furnished to RBI latest by December 31, 2017. In view of this, SLBC vide letter dtd. 19th June, 2017 circulated list of 351 villages with population above 5000 without a Bank branch of any Scheduled Commercial Bank(SCB) and requested the LDMs to review and identify the villages which does not have a “Banking Outlet”. These “Banking-outlet” may be of a Scheduled Commercial Bank (SCB), a Small Finance Bank(SFB), a Payment Bank, a Regional Rural Bank, a branch of Local Area Bank or licensed Co-operative Bank for carrying out customer based Banking transactions. Further, SLBC vide e-mail dtd. 12th October, 2017 requested Member Banks to expedite opening of “Banking Outlets” in identified “Unbanked Rural Centres” having population above 5,000. A list of these identified centres was also placed on SLBC website www.slbcgujarat.com. It was also requested to Banks to ensure to report SLBC whenever a “Banking Outlet” is opened by your Bank in identified “Unbanked Rural Centres” having population above 5,000. As of 30.11.2017, the status of opening of Banking outlets in villages having population above 5,000 is as below :

i. Out of 351 villages, the “Banking-outlet” is present in 32 villages.

ii. In these 32 villages, “Banking outlet” have been opened in 21 villages by Scheduled Commercial Bank and in 11 villages by District Co.Op.Bank (The Banking outlets have been opened by Indian Post and Payment Bank in 7 centres but as informed by RBI vide e-mail dtd. 27th Sept., 2017, India Post Payment Bank is yet to start it’s operation. Hence, these centres to be treated as “Unbanked Rural Centres” only.)

Member Banks are, therefore, requested to expedite the opening of “Banking-outlet” in remaining 319 villages within the stipulated timeline. The district-wise gap in opening of “Banking-outlet” in identified 351 villages is given as Annexure-F.

Page 7: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

7

3.5.1 Reallocation of Target for Opening of “Banking Outlets”

Representation has been received from few Banks that currently their Bank is not in position to undertake the exercise of expansion owing to the Prompt Corrective Action (PCA) initiated by Reserve Bank of India (RBI). Further, it is also informed that they are in process of consolidation of operations and improving profatibility.

In this matter, the House is requested to deliberate on the following points so that the Banks / LDMs can be guided accordingly :

i. Whether the reallocation exercise shall be taken up considering the above request ii. The existing allocation is in consonance with the “Service Area Plan”. In case of

reallocation, what aspect is to be considered for reallocation of villages ? 3.5 Deployment of the BC-ICT Model : IBA vide it’s letter dtd. 27th Septemebr, 2017 informed that it had been brought to their notice that the Employees Provident Organization, Ministry of Labour, Government of India has been serving notices to banks, stating that Business correspondents (BCs) / Bank Mitras perform banking duties in far of places where banks do not have brick and mortar branches and banks exercise strict control over the working conditions of BCs / Bank Mitras, besides paying them a fixed wage. As such, as per provisions of section 2(f) of the Employees' Provident Fund & Miscellaneous Provisions Act, 1952, they come under the definition of employee and therefore Banks have to ensure that mandatory benefits available under the said Act are extended to all these BCs / Bank Mitras. After taking into account the legal issues involved in the matter, the Financial Inclusion Advisory Committee in it’s fifth meeting held on June 22, 2017 has decided that IBA shall come up with BC Model contract for Banks. Accordingly, IBA revised the BC Model Agreement which is already circulated to all Banks. The letter of IBA dtd. 27th September, 2017 is attached as Annexure – G.

3.6 Financial Literacy Camps The State has 49 Financial Literacy Centres (FLCs) set up in all districts by respective Lead Banks and RRBs sponsored by them. Out of the above 49 FLCs, 1 FLC is in Metro, 33 are in Semi-urban and 15 FLCs are in Urban areas, whereas no FLC is opened in Rural Areas.

RBI vide letter dtd. 2nd March, 2017 gave following guidelines for conduct of special camps by FLCs and Rural branches:

1. Starting from April 01st , 2017, FLCs have to conduct the camp as per following

schedule :

b. Two special camps per month on Digital platforms i.e. UPI & USSD

c. Target specific camps – Five camps per month (One each for Farmers, SMEs,

SHGs, School Children and Senior Citizens)

2. Further, one camp per month has to be organized by Rural Branches on Financial

Awareness Messages, UPI and USSD, preferably on 3rd Friday of every month.

Page 8: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

8

3.6.1 Conduct of Financial Literacy camps for the quarter ended September, 2017

A. Financial Literacy Centres (FLCs):

Sr. No.

Bank No. of FLC opened by the Bank

No. of Special Camps

conducted

No. of Target Specific camps

conducted

1 Dena Bank 10 170 302

2 State Bank of India 9 70 219

3 Bank of Baroda 14 96 210

4 Baroda Gujarat Gramin Bank 06 139 91

5 Dena Gujarat Gramin Bank 05 34 75

6 Saurashtra Gramin Bank 05 33 138

Total 49 542 1035

B. Rural Branches :

Total 6,278 camps have been conducted by 2,543 Rural branches of Scheduled Commercial (Including RRBs) during the quarter Sept-2017. The category wise %age target achievement by Banks is as below :

No. Category of Bank Rural full

fledged

branch

Target of

Financial

Literacy Camps

Total no. of

Camps

conducted

% age

Target

Achievement

1 Public Sector Banks 1,719 5,157 4,661 90%

2 RRBs 497 1491 1172 79%

3 Private Sector Banks 327 981 445 45%

4 Small Finance Bank 0 0 0 -

Total 2,543 7,629 6,278 82%

The Bank wise %age of Target achievement is given as Annexure – H.

3.6.2 Allocation of Financial Literacy Centre Code to the Financial Literacy

Centres opened by District Central Co.op. Bank :

RBI has put in place a mechanism to allot unique FLC codes by SLBC for FLCs run by Scheduled Commercial Banks (including Regional Rural Banks). Accordingly, SLBC allotted the Financial Literacy Centre Code to the 49 FLCs set up by the Scheduled Commercial Banks.

Further, it was also advised by RBI that the FLCs run by Cooperative Banks shall also be allotted unique FLC Codes by the SLBCs. In accordance with this directive, SLBC allotted the Financial Literacy Centre Code to the 139 FLCs run by DCCBs and submitted to NABARD, for onward circulation amongst DCCBs.

3.6.3 Grant Assistance under Financial Inclusion Fund (FIF) for conduct of

Financial Literacy Programme :

NABARD vide it’s Circular No.107 / DFIBT - 24 / 2017 dtd. 04th May, 2017 informed about grant assistance for “Going Digital” camps as indicated by RBI in their circular dated 2nd March, 2017.

However, it is informed by NABARD that during the FY 2017-18 only 13 Banks (9 DCCBs, 2 RRBs and 2 PSBs) have taken sanction for conduct of 10,120 Financial Literacy Camps in Gujarat, which led to less utilization of “Grant Assistance for Financial Inclusion Camps”. Further, the Banks which have availed the sanction are requested to timely submit the claim with the NABARD for disbursement.

Page 9: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

9

3.7 Rural Self Employment Training Institutes (RSETI) :

A. Progress in construction of RSETI premises

No. Particulars No. of District

Name of Districts

1 RSETIs functioning in own building

14

Amreli, Banaskantha, Bharuch, Kheda, Kutch, Jamnagar, Junagadh, Mehsana, Patan, Porbandar, Rajkot Sabarkantha, Gandhinagar and Valsad

2 RSETIs functioining in Building allotted by the Govt.

1 Bhavnagar

3 Land yet to be allotted 1 Mahisagar

4 Land allotted, but possession not taken

1 Chhota-udepur

5 Pending for lay out plan approval at District Authority

1 Ahmedabad

6 Under tendering process and approval lying at Bank Level

4 Narmada, Surat, Panchmahal and Tapi

7 Construction work under progress

6 Anand, Dangs, Dahod, Navsari, Vadodara and Surendranagar

Total districts in the State 28

As MoRD, GoI has brought a closure clause for the infrastructure development aspect of the RSETIs w.e.f. 01.04.2015, Lead Banks in remaining 5 newly carved districts (Aravalli, Botad, Devbhoomi Dwarka, Gir Somnath and Morbi) have decided to impart necessary trainings as per existing set up.

B. Issues related to Allotment of land for construction of RSETI premises

Approval of lay out plan of RSETI, Ahmedabad building is still pending despite the matter being persued since last two years. Moreover, the matter was also taken up by RBI vide its letter dated 4th December, 2017 to the Chief Secretary, Govt. of Gujarat.

As informed by Bank of Baroda, re-allotment of land for Mahisagar and possession handing over for Chhota-Udepur is still pending.

Govt. of Gujarat is requested to resolve this issue to enable the bank to start construction work of RSETI Ahmedabad.

C. No. of training programmes conducted by RSETIs and Settlement Ratio

Year ended

No. of training

programmes conducted during the

year 2017-18

Cumulative no. of training programmes

since inception

No. of beneficiaries trained during

the year 2017-18

Cumulative no. of

beneficiaries trained

Cumulative no. of trained beneficiaries settled

Through Bank

finance

Through own

sources

Total

Sept., 2017

293 5,953 8,175 1,80,006 46,206

(25.67%) 73,674

(40.93%) 1,19,880 (66.60%)

Categorywise Cumulative no. of trainees Quarter ended

SC ST OBC Women Minorities Others

Sept., 2017

30,026 (16.68%)

54,516 (30.29%)

63,688 (35.38%)

1,51,014 (83.89%)

9,908 (5.50%)

21,868 (12.15%)

(Figures in brackets show categorywise percentage of number of trainees)

Districtwise details are given as Annexure- I.

Page 10: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

10

D. Support for Capital Expenditure of RSETIs / RUDSETIs – Purchase of Training Equipments and Manintenance thereof

NABARD vide its circular no. 257/DFIBT-35/2016 dated 02.11.2016 has informed that the financial support is available to Banks for running of Business & Skill Sevelopment Centers including RSETIs to the extent not provided by State Governments. The Advisory Board of NABARD has approved a one time support up to a maximum of Rs.3.00 lakhs (all inclusive) per RSETI from Finanacial Inclusion Fund (FIF) for purchase of training equipments and maintenance thereof. A copy of above referred circular containing detailed guidelines for claiming financial support is enclosed as Annexure - J.

Banks having RSETIs / RUDSETIs are requested to take benefits of financial support for their RSETIs available under FIF from NABARD. 3.8 Call Centre Services –Toll Free Number - 1800-233-1000 for PMJDY and

Toll Free Number - 1800-233-8944 for PMMY

As per instructions of Department of Financial Services, Ministry of Finance, Govt. of India, a Call Centre is being operationalized by SLBC (Gujarat) for attending the enquiries and for grievance redressal of the general public under Pradhan Mantri Jan-Dhan Yojana (PMJDY), Social Security Schemes and Pradhan Mantri MUDRA Yojana (PMMY) in Gujarat.

Total expenses incurred during the quarter ended September 2017 are as under;

Sr. No. Details Expenses (Rs.)

1 Remuneration 1,06,800.00

2 Telephone expenses 10,167.00

Total 1,16,967.00

The bank wise details of proportionate expenses for the quarter ended September 2017 has been conveyed to Member Banks by SLBC vide letter No. GMO/ SLBC-Call Centre/652/ 2017 dated 6th October, 2017.

Bankwise pending share is attached as Annexure - K. Member Banks are requested to remit their share to SLBC in the following accounts through NEFT/RTGS:

Account Holder : SLBC Call Centre Account with : Dena Bank, Ashram Road Branch, Ahmedabad. A/C No. : 057111011376 IFSC Code : BKDN0110571

Details of calls received & expenses incurred during last four quarters:

Name of the Month Dec.-2016

March-2017

June-2017

Sept-2017

Total

Number of Calls 1,242 1,491 1,331 1,292 5,356

Total Expenses (in Rs.) 1,15,504 1,15,568 83,075 1,16,967 4,31,114

Till the quarter ended September 2017, total 27,829 calls are received. Out of which, 26,452 calls were enquiry calls and 1,377 calls were complaint calls. Changes in the Schedule of Call Centre :

Due to the regular conduct of “Financial Literacy Camps” by Banks, good awareness have been created amongst people of the State about various schemes like PMJDY,

Page 11: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

11

Social Security Scheme, PMMY, Stand Up India etc. Due to this reason, the number of calls received at Call Centre is decreasing continuously.

A comparative data of year-wise number of calls received, total expenses and average cost per call is given as below :

No. Financial Year No. of calls

received Total Expense incurred (in `)

Average cost per call (in `)

1 2015-16 11,428 5,18,371 45

2 2016-17 5,464 4,76,566 87

3 2017-18 (for half year) 2,623 2,00,042 76

From the above table, it is apparent that the utilization of services of “Call Center” is gradually decreasing. Further, it is also not being used as “Grievance Redressal Platform” as only 5% of the total calls received at the Call Centre are the complaint calls.

Under these circumstances, the House is requested to approve the following change in the functioning of the Call Centre :

“Instead of 12 Hrs. (two shift) per day working of the Call Centre, it is proposed to reduce to 6 Hrs. (one shift) per day and the timing of the Call Centre will be from 10.00 am to 4.00 pm instead of 8.00 am to 8.00 pm.”

AGENDA No.4

OTHER AGENDA

4.1 Progress under Pradhan Mantri MUDRA Yojana (PMMY)

The progress under the Scheme as of 30.11.2017 is as under: (Rs. in crores)

Particular Shishu Kishore Tarun TOTAL

A/c Disb. Amt.

A/c Disb. Amt.

A/c Disb. Amt.

A/c Disb. Amt.

Banks 188673 500 67340 1517 20833 1549 276846 3566

Other Agency 304801 810 13635 286 1807 121 320243 1217

Total 493474 1310 80975 1803 22640 1670 597089 4783

Agencywise details are given in Annexure - L.

Against the disbursement target of Rs.7,300 crore, Banks have achieved disbursement of Rs.3566 crore i.e. 48.86% upto end of November, 2017 which is quite satisfactory and needs to be improve.

Therefore, banks are advised to sensitise their field functionaries to improvise the performance under the scheme. LDMs are also advised to ensure the review of PMMY as a regular agenda item in the meetings of DLCC / DLRC and also in BLBC meetings.

Organizing the “MUDRA Promotion Campaign” :

Department of Financial Services, Ministry of Finance, Government of India, with an aim to create widespread awareness amongst the public about easily available avenues of credit for entrepreneurs, gave the directive to organize the ‘Mudra

Page 12: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

12

Promotion Campaign’ at 50 different centres all across the Country. In Gujarat State, camps were organized at Gandhinagar, Rajkot and Jamnagar on 2nd, 9th and 14th October 2017 respectively. The Outline of the programme was drawn by DFS, MoF, GoI and was organized by the State Level Bankers’ Committee, Lead Banks and State Govt. Banks, Insurance Companies, UIDAI, NABARD, NPCI, SIDBI and various other related institutions participated in this programme and put up their stall for providing various Banking and other related services like Account opening, Aadhaar & Mobile Seeding, Aadhaar enrollment and updation, enrollment under PMSBY, PMJJBY and APY etc. These programmes were also graced by Central & State Ministers.

4.2 Implementation of “Stand up India”

Cummulative progress as of 6th December, 2017 under Stand Up India in Gujarat is as under;

Sanctions Disbursements

Accounts Amount (Rs. in crore) Accounts Amount (Rs. in crore)

2,995 821 2,253 499

The Bankwise details are given in Annexure - M.

Since the performance under the scheme is not up to the mark, all stakesholders are requested to take note of the following action points to improvise performance during the remaining period of current finacial year.

• Branches and LDMs have to visit the Standupmitra portal on regular basis.

• DIC, Banks, NABARD and SIDBI have to organise the seminar / workshop / townhall meeting to impart more awareness of the scheme in the State.

• Display of Banner / Poster showing the salient features of the scheme at Branch / ATM premises.

• DIC / NABARD / SIDBI may give advertisements through newspaper or local media to make wide publicity of the scheme.

• SC / ST welfare and Women development department may take lead to generate good number of application under the Scheme.

• Review the bankwise performance thoroughly during the DLCC meeting and instruct the lagging banks to improve upon the performance.

4.3 Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme

As of 30th November, 2017, total Rs.594 crores subsidy has been disbursed to the

28,372 beneficiaries in the State. The Bankwise details are given in Annexure – N1.

Banks are requested to look into the performance and instruct the branches to give the wholehearted contribution for better performance under the scheme. Ministry of Housing and Urban Affairs, Government of India vide its letter dated 27th November, 2017 has informed the following modifications in eligibility criteria of Middle Income Group (MIG) under PMAY (Urban). 1 The tenure of the scheme is extended by 15 months beyond the approved one

year period i.e. upto 31.03.2019.

Page 13: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

13

2 The existing carpet area of MIG-I which was 90 sq metre and for MIG-II which was 110 sq metre, has now been increased to “upto 120 sq metre” and “upto 150 sq metre”, respectively.

The Department of Urban Development and Urban Housing, Government of Gujarat vide their GR dated 11.04.2017 has introduced a new category, Middle Income Group–III (MMG-III) under Mukhya Mantri Gruh Yojana (MMGY) for beneficiaries having annual family income between Rs. 18.00 to 22.50 lakhs. Under this category, benefit of Credit Linked Subsidy will be provided in line with existing PMAY for MIG. The following criteria will be taken into consideration while implementing the scheme.

Category Annual family income

Int. subsidy available from GoG

Maximum loan tenure

Eligible Loan

amount for int. subsidy

Carpet area

Discount rate for NPV calculation

MMG-III More than 18 lakhs upto 22.50 lakh

2.50% 20 years 15 lakhs Upto 130

sq. m.

9%

A copy of GR issued by Government of Gujarat is attached as Annexure – N2.

4.4 Implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY).

Agriculture & Co-operation Department, Government of Gujarat vide their GR No. PFB-102016-875-K.7 dated 1st April, 2017 has issued guidelines for implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) for Kharif-2017 and Rabi-Summer 2017-18 seasons. A copy of the GR issued by Government of Gujarat has been circulated by SLBC vide letter dated 03.04.2017. The scheme is compulsory for all the farmers including share croppers, tenant farmers growing notified crops in notified area and availing Seasonal Agriculture Operations (SAOs) loans from Banks / Financial Institutions (i.e. loanee farmers). While implementing the scheme, Banks are facing the following difficulties;

a) Due to inordinate delay in finalization of Implementing Agency (IA) by the State Government and subsequent delay in submission of Bank account details by Insurance Company, branches do not get sufficient time for remittance of crop insurance premium to Insurance Companies. Although, the State Government has extended the last date for remittance of insurance premium to Insurance Companies for Kharif 2017 season but, this cause/create undue pressure on Bankers in last moments and huge flow of inquiries to SLBC.

b) Under PMFBY scheme, there are possibilities of engagement of multiple Insurance Companies for different districts / clusters. These different Insurance Companies follow different operational procedures for implementation of the scheme which creates confusion among the bankers especially for those extending crop loan finance in more than one district. Sometimes this leads to lapse of any important procedure by Bankers.

Page 14: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

14

c) Banks have not been given sufficient time (after the cut off date for submission of proposal form by farmers to Banks) for uploading of data / information on i-khedut portal. Since the scheme is compulsory for all the loanee farmers, Banks are required to upload the information on i-khedut portal in respect of those farmers who do not upload of their own. As most of the updation on portal are being done by Banks, sufficient time after the cut off date for submission of proposal form by farmers to Banks should be permitted to Banks.

The above issues were flagged off during the last SLBC meeting and again it is reiterated that the State Government to take cognizance of above issues and incorporate the suitable changes while issuing the GR for next crop season i.e Kharif 2018-19.

Further, the Department of Agriculture & Co-operation, Government of Gujarat vide GR No. PFB-102017-1317-K-7 dated 23.10.2017 informed that IFFCO-TOKIO General Insurance Company Limited has been identified as Implementing Agency (IA) for implementation of PMFBY in all 33 districts of Gujarat for Rabi-Summer 2017-18 season. 4.5 Declaration of Natural Calamity in Banaskantha and Patan districts

by Government of Gujarat.

The Agriculture, Farmers Welfare & Co-operation Department, Government of Gujarat had issued GR no. CAL-102017-1473-K-7 dated 16th August, 2017 thereby declaring Banaskantha and Patan districts as disaster / natural calamity affected. On declaration of Bansaskantha and Patan districts as disaster / natural calamity affected by the Government of Gujarat, SLBC advised Banks and Lead District Managers to ensure extension of suitable relief measures as per RBI circular No. RBI 2018/55, MD FIDD.CO.FSD.BC.No.8/05.10.001/2017-18 dated 03.07.2017 to eligible farmers / borrowers in these districts. Therefore, all member Banks and Lead District Managers of Banaskantha and Patan districts are requested to submit the information of relief measures extended by the Banks in the districts in the prescribed format.

4.6 Implementation of Dairy Entrepreneurship Development Scheme (DEDS).

Dairy Entrepreneurship Development Scheme (DEDS) is being implemented by Department of Animal Husbandry, Dairying & Fisheries, Ministry of Agriculture & Farmers Welfare, Government of India through NABARD and Nationalized Banks. The scheme has received overwhelming response from dairy entrepreneurs across the country. DEDS is the only direct beneficiary oriented scheme covering loaning in the entire value chain from cattle procurement to sale of milk through outlets. Since, the State Level Bankers’ Committee (SLBC) is the forum for review of programme and policies by all the financial institutions in the State, the Secretary, Department of Animal Husbandry, Dairying & Fisheries, Ministry of Agriculture & Farmers Welfare, Government of India vide letter no. F.No.M-01027/1/2017-CDD dated 21.06.2017 has advised SLBC to include DEDS as an agenda for review of implementation of the scheme in SLBC meetings. Since, the subsidy under the scheme is being routed through NABARD, NABARD is requested to provide the information of the same to SLBC on quarterly basis so that it can be reviewed next meeting onwards.

Page 15: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

15

The Bankwise details of subsidy claims lodged and sanctioned/released by NABARD under the scheme is attached as Annexure - O.

Moreover, NABARD, Regional Office, Ahmedabad vide their e-mail dated 24th August, 2017 has informed that e-portal for submission of online DEDS claims has been rolled out and banks are required to submit subsidy claims online on the portal w.e.f. 5th September, 2017.

4.7 Doubling of Farmers’ Income by 2022.

RBI vide circular RBI/2016-17/66, FIDD.CO.LBS.BC.No. 16/02.01.001/2016-17 dated 29.09.2016 communicated the strategy to achieve the goal of “Doubling Farmers income by 2022”.

The strategy to achieve this goal, inter-alia, include,

• Focus on irrigation with large budgets, with the aim of “per drop, more crop”

• Provision of quality seeds and nutrients based on soil health of each field

• Investments in warehousing and cold chains to prevent post-harvest crop losses

• Promotion of value addition through food processing

• Creation of a national farm market, removing distortions and develop infrastructure such as e-platform across 585 stations

• Strengthening of crop insurance scheme to mitigate risk at affordable cost

• Promotion of ancillary activities like poultry, bee-keeping and fisheries.

Representative of NABARD is requested to apprise the house on the matter.

4.8 Implementation of Interest Subsidy Scheme on Education loan declared by Government of Gujarat.

In reference to Gujarat Government Resolution No.પરચ-૧૦૧૭-૨૨૭૧૪૯-ખ dated 4th July, 2017 issued by the Education Dept., Govt. of Gujarat on Interest Subsidy Scheme on Education Loan, a meeting was organised on 2nd November, 2017 under the Chairmanship of the Principal Secretary (Higher and Technical Education), Govt. of Gujarat to reivew progress in implementation of the scheme in the State. In this coonection, SLBC vide its letter dated 1st December, 2017 had forwarded the Rules & Regulation, process flow to apply / claim the interest subsidy, application form and bank endorsement format to the Banks. Amongst others few important salient features of the scheme is given hereunder for your quick reference.

Eligibility Criteria :

1. Student should have passed Class 12 with 60% or more Percentiles. 2. An annual gross income of parent / family should not be more than Rs.6 lakhs per

year from all sources. 3. Loan must be taken after the GR date i.e. 04.07.2017 from Schedule Bank. 4. 100% Interest subsidy is available upto loan amount of Rs.10 lakhs only for the

moratorium period.

Process flow :

1. The eligible student will have to fill the application form on the KCG website i.e. http://www.kcg.gujarat.gov.in and submit the application form alongwith all necessary documents to the branch of schedule bank from where he/she has availed education loan.

Page 16: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

16

2. The respective branch / bank will have to send the necessary endorsement with bank loan and interest details alongwith the application to the KCG office in name of The Advisor at Knowledge Consortium of Gujarat (KCG), Pragna Puram, Opp. PRL, Near L D College of Engineering, Ahmedabad – 380 015.

3. Last date for online registration for the subsidy by Students is 31st December, 2017.

For detailed information, Banks may refer the guidelines of the scheme, which is available on KCG website i.e. http://www.kcg.gujarat.gov.in/Education_loan/index.php. and also at SLBC website i.e. www.slbcgujarat.com.

Banks are requested to sensitize their field functionaries in this regard and ensure that all eligible students who have availed the education loan from the Bank should get benefit under the scheme.

AGENDA No.5

REVIEW OF KEY BANKING PARAMETERS FOR THE QUARTER ENDED SEPTEMBER, 2017 :

During the quarter ended September, 2017, total number of bank branches decreased by 28 taking the total network of branches from 9278 as of June, 2017 to 9250 as of

September, 2017 in the State as per the details given in Annexure- 1.

BRANCH EXPANSION

Particulars For the quarter ended September, 2017

Bank Group Sept., 2016

March, 2017

Sept., 2017

Growth y-o-y

Variation over March, 2017

State Bank of India 1418 1419 1288 (-) 130 (-) 131

Nationalised Banks 4054 4109 4126 72 17

RRBs 739 747 755 16 8

DCCBs 1347 1338 1351 4 13

GSCARDB 181 181 181 0 0

Private Sector Banks 1437 1531 1549 112 18

Total 9176 9325 9250 (-) 74 (-) 75

During the quarter under review, total 20 branches were added, in which 9 under Rural and 11 under Semi-Urban category whereas in Urban and Metro category, it was reduced by 37 and 11 respectively.

DEPOSITS GROWTH :

The aggregate deposits of the banks in Gujarat increased by 8,540 crores in absolute terms from Rs.6,23,198 crores as of June, 2017 to Rs.6,31,738 crores as of September, 2017 registering growth of 1.37% as against 2.66% growth for the corresponding period of the previous year. The banks groupwise deposit growth and level as of September, 2017 are given below.

The bankwise and districtwise details are given in Annexure – 1A & 1B.

Page 17: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

17

BANK GROUP

FOR THE PERIOD ENDED (Rs. in Crores)

Sept., 2016

March, 2017

Sept., 2017

Growth Y-o-Y

Absolute growth over March, 2017

State Bank of India

1,21,259 (3.00%)

1,34,535 (18.54%)

1,34,918 (0.81%)

13,659 (11.26%)

383 (0.28%)

Nationalised Banks 3,07,573 (1.83%)

3,31,195 (12.39%)

3,33,430 (1.51%)

25,857 (8.41%)

2,235 (0.67%)

RRBs

10,127 (3.69%)

11,922 (26.64%)

12,002 (2.08%)

1,875 (18.51%)

80 (0.67%)

DCCBs

23,430 (1.24%)

24,858 (13.33%)

25,340 (2.58%)

1,910 (8.15%)

482 (1.94%)

GSCARDB

260 (4.84%)

274 (12.76%)

266 (-) 0.37%

6 (2.31%)

(-) 8 (-) 2.92%

Private Banks

1,05,051 (4.98%)

1,21,003 (23.01%)

1,25,782 (1.29%)

20,731 (19.73%)

4,779 (3.95%)

TOTAL

5,67,700 (2.66%)

6,23,787 (15.92%)

6,31,738 (1.37%)

64,038 (11.28%)

7,951 (1.27%)

(Figures in the brackets for the quarter ended September indicate % growth over previous quarter, whereas figures in the brackets for the period ended March indicate % growth over previous year).

The positive growth was registered by DCCBs (2.58%), RRBs (2.08%), Nationalised Banks (1.51%), Private Banks (1.29%) and State Bank of India (0.81%) whereas GSCARDB (0.37%) registered negative growth.

NRI deposits increased by Rs.2,324 crores and stood at Rs.69,366 crores forming 10.98% of the total deposits as of September, 2017 as against Rs. 67,042 crores (10.75%) as of June, 2017.

CREDIT EXPANSION :

During the period under review, the aggregate credit increased by Rs.12,353 crores in absolute terms from Rs. 4,77,480 crores as of June, 2017 to Rs.4,89,833 crores as of September, 2017 registering a growth of 2.59%, as against 2.26% growth for the corresponding period of the previous year.

The banks groupwise deposit growth and level as of September, 2017 are given below.

The bankwise and districtwise details are given in Annexure – 1A & 1B.

BANK GROUP

FOR THE PERIOD ENDED (Rs. in Crores)

Sept., 2016

March, 2017

Sept., 2017

Growth Y-o-Y

Absolute growth over March, 2017

State Bank of India

90,518 (1.59%)

90,395 (-) 0.53%

95,302 (-) 1.48%

4,784 (5.29%)

4,907 (5.43%)

Nationalised Banks 1,94,860 (0.69%)

1,95,079 (0.16%)

1,97,988 (1.14%)

3,128 (1.61%)

2,909 (1.49%)

RRBs

6,185 (6.03%)

6,350 (19.65%)

6,997 (5.41%)

812 (13.13%)

647 (10.19%)

DCCBs

18,812 (3.99%)

16,086 (6.87%)

19,173 (4.01%)

361 (1.92%)

3,087 (19.19%)

GSCARDB

560 (3.32%)

558 (-) 0.89%

565 (3.86%)

5 0.89%

7 (1.25%)

Private Banks

1,37,839 (4.63%)

1,51,562 (21.27%)

1,69,808 (6.54%)

31,969 (23.19%)

18,246 (12.04%)

TOTAL

4,48,774 (2.26%)

4,60,030 (6.60%)

4,89,833 (2.59%)

41,059 (9.15%)

29,803 (6.48%)

Page 18: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

18

(Figures in the brackets for the quarter ended September indicate % growth over previous quarter, whereas figures in the brackets for the period ended March indicate % growth over previous year).

The data reveal that the overall growth in outstanding advances was 2.59% during the quarter, which was contributed mainly in percentage terms by Private Banks (6.54%), RRBs (5.41%), DCCBs (4.01%), GSCARDB (3.86%) followed by Natioinalised Banks (1.14%) whereas SBI has registered negative growth of 1.48% during the quarter under review.

CREDIT DEPOSIT RATIO:

The Bank groupwise Conventional CD Ratio is given below:

Bank Group

FOR THE PERIOD ENDED

Sept., 2016 March, 2017 Sept., 2017 Variation over March, 2017

State Bank of India 74.65 67.19 70.64 3.45

Nationalised Banks 63.35 58.90 59.38 0.48

RRBs 61.07 53.26 58.30 5.04

DCCBs 80.29 64.71 75.66 10.95

Pvt. Sector Banks 131.21 125.25 135.00 9.75

Conventional CD Ratio 79.05 73.75 77.54 3.79

The CD Ratio of the State has increased by 3.79% and 0.92% over March, 2017 and June, 2017 respectively and stood at 77.54%.

As per the RBI guidelines, the CD Ratio, inclusive of RIDF, for the State as a whole is as under: ( Rs./ Crores )

Advances RIDF Total Deposits CD Ratio

4,89,833 23,921 5,13,754 6,31,738 81.32

CD Ratio Below 40%

As of September, 2017, the CD Ratio in the following 11 (Eleven) districts is below 40% where the Banks and Lead District Managers are required to put in special efforts to increase the same.

Sr. No.

Name of District CD Ratio Sept., 2016

CD Ratio March, 2017

CD Ratio Sept., 2017

Variation over March, 2017

1 Dangs 12.52 13.75 15.50 1.75

2 Navsari 19.53 19.60 20.44 0.84

3 Anand 20.92 22.72 24.12 1.40

4 Porbandar 25.62 22.93 24.56 1.63

5 Kheda 30.93 31.47 31.65 0.18

6 Mahisagar 35.07 36.20 33.51 (-) 2.69

7 Tapi 34.31 34.77 28.70 (-) 6.07

8 Devbhoomi Dwarka 39.30 33.31 39.78 6.47

9 Kutch 38.28 38.24 34.26 (-) 3.98

10 Dahod 36.88 38.86 36.94 (-) 1.92

11 Panchmahal 47.15 41.10 38.87 (-) 2.23

Page 19: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

19

From the above table, it can be seen that CD Ratio in 5 districts is in downward trend over March, 2017, whereas in 6 districts it has increased over March, 2017. The Lead District Managers of the above ten districts are requested to initiate immediate action to improve CD Ratio.

As of September, 2017, Dangs (15.50%) in the State is having CD Ratio below 20%.

PRIORITY SECTOR LENDING :

An analysis of the performance in terms of the targets is presented as under :

I. The % wise growth under various areas of priority sectors in respect of All Banks (Excluding RRBs) was as under :

(Rs./Crores)

Parameter Bench-mark

Outstanding as of Absolute Growth

over March, 2017

% increase

over March, 2017

March, 2017

% Achi. of NBC

Sept., 2017

% Achi. of NBC

Priority Sectors

40% 2,14,453 50.31 2,11,018 46.51 (-) 3,435 (-) 1.60

Agri. Adv. 18% 68,087 15.97 73,627 16.23 5,540 8.14

Weaker Section Adv.

10% 33,651 7.89 36,974 8.14 3,323 9.87

(% of achievement based on total advances of previous year, as per RBI guidelines)

It reveals from the above data that the Priority Sector Advances have surpassed the benchmark. Though there is an increase in absolute growth in Agriculture Advances, but the benchmark level could not be achieved in Agriculture Advances and Weaker Section.

II. The percentage-wise growth under following areas of priority sectors in respect of Regional Rural Banks was as under :

(Rs. /Crores)

Parameter Bench-mark

Outstanding as of Absolute Growth

over March, 2017

% increase

over March, 2017

March, 2017

% Achi. of NBC

Sept., 2017

% Achi. of NBC

Priority Sectors

75% 5,765 108.61 6,399 100.78 634 11.00

Agri. Adv. 18% 4,125 77.71 4,649 73.21 524 12.70

Weaker Section Adv.

15% 2,250 42.40 2,756 43.40 506 22.49

(% of achievement based on total advances of previous year, as per RBI guidelines)

Bankwise / Districtwise details are given in Annexure - 2 & 3. RRBs have achieved / surpassed the targets under Priority Sectors (100.78%), Agriculture Advances (73.21%) and Weaker Sections (43.40%) as against the benchmark of 75%, 18% and 15% respectively. III. The Bank groupwise percentage share of various components of Priority

Sector advances as of September, 2017 is as under :

Page 20: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

20

Sector State Bank of

India

Nationalised Banks

Private Sector Banks

Co-op Banks

RRBs All Banks

PS ADVs 30.32% 49.07% 46.46% 104.98% 100.78% 47.26%

AGRI. ADVs 10.99% 16.74% 10.37% 92.01% 73.21% 17.02%

WS ADVs 8.07% 8.90% 4.49% 33.10% 43.40% 8.64%

From the above table, it can be observed that except the benchmark under PS Advances, Banks have not reached to stipulated benchmark under Agriculture Advances, Weaker Section Advances. Performance of SBI Group requires to be improved under all segments of PS Advances, whereas Nationalised Banks and Private Sector Banks need much improvement under Agriculture and Weaker Section advances. The Member Banks which are below the benchmark (as per Annexure-2) are requested to improve their performance so as to achieve the National Goals.

As per revised guidelines of RBI for Priority Sector, the sub-target for Small & Marginal farmers is 8% and for Micro Enterprise is 7.5% of ANBC against which, as of September, 2017, all banks together stood at Rs.26,031 crores i.e. 5.31% and Rs.36,039 crore i.e.7.36 % respectively.

AGENDA No.6

PROGRESS UNDER SERVICE AREA CREDIT PLAN (SACP) 2017-18 FOR LENDING TO PRIORITY & NON PRIORITY SECTOR : As per RBI revised guidelines, the Statement LBS-MIS-I, II & III for achievement under Annual Credit Plan 2017-18 for the quarter ended September 2017 of the State is given

in Annexure - 4.

The summary of target vis-a-vis achievement for the quarter ended September, 2017 under Priority Sector Annual Credit Plan 2017-18 is presented hereunder.

(Rs. Crores)

No. Priority Sector

Target 2017-18

Disbursement during the quarter

% Achievement

A/c Amt. A/c Amt. A/c Amt.

1 Agriculture 5675028 65502.98 1974215 41034.06 34.79 62.64

Of which Farm Credit

5466837 60577.39 1947598 37346.66 35.63 61.65

2 MSME 471222 28253.78 287294 29199.66 60.97 103.35

3 Export Credit 5846 1141.55 287 606.97 4.91 53.17

4 Education 53044 1580.44 8896 184.83 16.77 11.69

5 Housing 102478 8465.32 44569 4406.05 43.49 52.05

6 Other PSA 304337 6836.89 35375 1456.04 11.62 21.30

7 Total PSA 6611955 111780.95 2350636 76887.60 35.55 68.78

The overall achievement in disbursement under Annual Credit Plan (ACP) for Priority Sectors by all the Banks was 35.55% in respect of targets in number of accounts and 68.78% in respect of targets in amount for the quarter ended September, 2017. The highest percentage achievement in terms of amount was recorded in MSME – 103.35%

Page 21: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

21

followed by Agriculture – 62.64%, Export Credit – 53.17%, Housing – 52.05%, Other PSA – 21.30% and Education – 11.69%.

Out of 33 districts in the State, upto the quarter ended September, 2017, as many as 21 districts remained below the State average of 68.78% under ACP 2017-18.

The sector-wise, bankwise and districtwise details under Priority Sector Advances are

given in Annexure – 5, 5(A) to 5(H). Moreover, agency wise & sub-sector wise Ground Level Credit Disbursement under Agriculture for the quarter ended September

2017 is given in Annexure - 6.

AGENDA No.7

POSITION OF CASES FILED UNDER GUJARAT STATE RECOVERY ACT, 1979

(Rs. in Crores)

No. Particulars September, 2017

Accounts Amount

1 Cumulative certificates filed 1,58,457 385.73

2 Cumulative Recovery effected 61,226 80.96

Of which, cases closed (60,654) (79.33)

3 Cases pending 97,803 304.77

Of which,cases pending for more than 3 years 53,965 131.60

more than 2 years to 3 years 10,167 33.01

more than 1 year to 2 years 13,607 62.43

cases pending for less than 1 year 20,064 77.73

District wise details are given in Annexure - 7.

All Lead District Managers are requested to incorporate the Agenda on Recovery Certificates, if not done, and critically review the position of pending Recovery Certificates in every DLCC meetings and pursue the matter with the District Authorities for immediate disposal of the same.

The Revenue Department is requested to issue instructions to the District Authorities for quick disposal of pending Recovery Certificates and extend necessary help and support to the Banks in recovery in chronic cases.

Bankwise position of Outstanding, NPA, Percentage of NPA to Outstanding for the quarter ended September, 2017.

The Gross Advances of the Banks in the State of Gujarat is Rs.4,89,833 crores and Gross NPA is Rs. 31,318 crores i.e 6.39% as of September, 2017. Consolidated

details are as per Annexure - 8. (Amt. Rs. in crores)

Particulars Amt. Outstanding

Amt. of Gross NPA

% NPA to Outstanding

Crop Loan 44,581 1,425 3.20

Agri. Term Loan 33,695 2,736 8.12

Total Agriculture 78,276 4,161 5.32

MSME 90,046 6,321 7.02

Other PS 49,095 1,314 2.68

Total Priority Sector 2,17,417 11,796 5.43

Non Priority Sector 2,72,416 19,522 7.17

Total Advances 4,89,833 31,318 6.39

Page 22: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

22

Others

Housing Loan 64,339 479 0.74

Education Loan 1,971 59.73 3.03

All Member Banks are requested to ensure accurate reporting of NPA so as to present factual position.

AGENDA No.8

REVIEW OF PROGRESS UNDER VARIOUS GOVT. SPONSORED PROGRAMMES FOR THE QUARTER ENDED SEPTEMBER, 2017.

The Summary of performance for the quarter ended September, 2017 in implementation of various bankable schemes sponsored by Central / State Government is presented hereunder.

The schemewise / districtwise details are furnished in the Annexure - 9 to 16. CENTRAL GOVERNMENT SPONSORED PROGRAMMES :

Comparative performance under Central Govt. Sponsored Programmes

Period ended PMEGP DAY-NULM

September, 2016 28.60% (No.) 59.53% (M.M.)

11.59% (June, 16)

September, 2017 16.33% (No.)

56.35% (M.M.) 12.26%

(Rs./ Lakhs)

PARTICULARS BANKABLE SCHEMES

PMEGP DAY-NULM

Target (2017-18)

6165 (No) 12,223.15 MM (Amt.)

11,250 (Beneficiaries) 5750 (Individual cases)

Sponsored (No.) 3466 2944

Sanctioned (No.) 1007 705

Sanctioned (Amt) M.M. 6888.30 607.02

Retd./Rejtd. (No.) 437 912

Pending (No.) 2022 1327

% achievement (No.) 16.33 12.26

% achievement (Amt.) M.M. 56.35 - (M.M. = Margin Money)

PRIME MINISTER’S EMPLOYMENT GENERATION PROGRAMME (PMEGP)

As per the progress report for the quarter ended September, 2017, against the physical target of 6165, Banks have sanctioned 1007 applications, i.e. 16.33% achievement. Similarly, against the Margin Money target of Rs.12223.15 lakhs, Banks have sanctioned projects having Margin Money of Rs.6888.30 lakhs (56.35% achievement) for the quarter ended September, 2017. KVIC, State Office, Gujarat vide their letter no. SO/GUJ/PMEGP/Targets/2017-18 dated 04.09.2017 have informed the enhancement in targets of PMEGP to the tune of 2.5 times of the targets allotted initially for 2017-18. The revised targets will be 6165 for

Page 23: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

23

number of projects and Rs.122.23 Crores for Margin Money. The LDMs and Banks are requested to take a note of the same. Deendayal Antyodaya Yojana – National Urban Livelihood Mission (DAY-NULM)

Against the target of 11250 loan applications, Banks have sanctioned 705 applications i.e. 12.26% achievement for the quarter ended September, 2017. Banks are requested to dispose of 1327 applications pending at their level. The Mission Director, Gujarat Urban Livelihood Mission vide letter dated 24th August, 2017 has informed that the Director, Ministry of Housing & Urban Poverty Alleviation, Govt. of India in their letter dtd.8th August, 2017 has reiterated operational guidelines of the SEP components were amended as; “Banks may directly accept the loan applications of urban poor beneficiaries on the basis of relevant documents as per the guidelines of PMMY or any other such scheme without the need of having prior sponsoring from ULBs. The Banks can send details of such loans sanctioned by them to ULBs for confirmation of their eligibility, interest subsidy may be claimed from ULBs on the pattern of interest subsidy claim for beneficiaries sponsored by ULBs.” The amended guidelines were circulated to all concerned vide the Ministry’s letter dtd.22nd August, 2016. The Banks are requested to take note of the same and pass-on necessary instructions to their branches to adhere the above guidelines and also, timely lodged the interest subsidy claim under DAY-NULM to the ULBs in all eligible cases. STATE GOVT. SPONSORED PROGRAMMES

Comparative performance under State Govt. Sponsored Programmes

% Achievement

Period VBS GSCDC DCWD GWEDC JGVY DTASY

September, 2016 48.07 8.07 26.03 15.43 8.00 7.45

September, 2017 48.50 8.80 16.35 5.74 21.50 26.60

(Amt. in Rs. Lakhs)

PARTICULARS BANKABLE SCHEMES

2017-18 VBS GSCDC DCWD GWEDC JGVY DTAISY

Target (Number) 36,800 5000 5334 2300 200 1000

Sponsored (No) 78520 2950 4270 1183 192 4938

Sanctioned (No) 17848 440 872 132 43 266

Sanctioned (Amt) 35559 212.76 423.53 45.84 750.21 130.87

Retd./Rejtd. (No) 12447 287 355 81 6 455

Pending (No) 48225 2223 3043 970 143 4217

% achievement 48.50 8.80 16.35 5.74 21.50 26.60

VAJPAYEE BANKABLE SCHEME (VBS) :

The achievement against the target stood at 48.50% at the quarter ended September, 2017 as against 48.07% achievement for the corresponding period of the previous year, which is almost at par with the previous year.

Page 24: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

24

There were 48,225 (including previous year pending 31,970 applications carry forwarded to current year) loan applications reported pending, which are required to be disposed of expeditiously, by various Banks. GUJARAT SCHEDULED CASTES DEVELOPMENT CORPORATION (GSCDC) : The achievement of target in terms of cases sanctioned stood at 8.80% for the quarter ended September, 2017 as against 8.07% for the corresponding period of the previous year, which is at par with the previous year.

Sponsoring of applications was only 2950 as against the target of 5000 for the current year. Implementing agency is requested to sponsor adequate number of applications.

Member Banks are requested to accord priority to dispose of pending 2223 loan applications at the earliest, since financing the loan applications sponsored by GSCDC form a part of Weaker Section advances. BANKABLE SCHEME OF DEVELOPING CASTES WELFARE DEPARTMENT

The achievement stood at 16.35% of the target at the quarter ended September, 2017 as against 26.03% for the corresponding period of the previous year. Banks need to improve their performance under the Scheme. Banks are requested to dispose off 3043 pending applications on merits at the earliest. GUJARAT WOMEN ECONOMIC DEVELOPMENT CORPORATION (GWEDC) :

The achievement was 5.74% of the target at the end of the quarter ended September, 2017 as against 15.43% for the corresponding period of the previous year. Banks are requested to dispose off 970 pending applications on merits at the earliest. JYOTI GRAM VIKAS YOJANA (MARGIN MONEY SCHEME)- JGVY:

The achievement stood at 21.50% at the quarter ended September, 2017 as against 8.00% during the corresponding period of the previous year, which shows a significant improvement. Banks are also requested to dispose off 143 pending applications on merits at the earliest. Dattopant Thengadi Artisan Interest Subsidy Yojana (DTAISY)

The achievement stood at 26.60% at the quarter ended September, 2017 as against 7.45% achievement for the corresponding period of the previous year. Though the performance has been improved significantly, but the desired performance is still far from satisfactory level. Banks are requested to improve the same. There is huge number of pendency with various bank branches, hence, controlling offices are requested to review the performance in their bank level Branch Managers’ review meetings. Overall performance under all the Govt. Sponsored Programmes for the quarter ended September, 2017 except PMEGP and VBY is far from satisfactory. All the Banks and various Govt. agencies sponsoring the loan applicatioins are required to work in close co-ordination to achieve the set targets.

Page 25: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

25

Also, the Block / District level Govt. agencies should invariably attend the BLBC meeting at each Taluka and use that platform for effective implementation of respective Govt. Spon. Programmes.

AGENDA No.9

FINANCING UNDER OTHER PROGRAMMES / SCHEMES

(i) FINANCING TO MINORITY COMMUNITIES & WOMEN ENTREPRENEURS The summary of fresh loans disbursed during the quarter and the outstanding at the quarter ended September, 2017 to Minority Communities & Women Entrepreneurs by Banks are given in following table, while the Bankwise fresh disbursements during the

quarter have been given in Annexure - 17 & 18.

MINORITY COMMUNITIES : (Rs. in crores)

Particulars September, 2016 June, 2017 September, 2017

A/cs Amt. A/cs Amt. A/cs Amt.

Disbursement of Fresh loans

24,227 653.23 28,236 828.31 17,583 707.73

Outstanding 3,13,089 8,122.61 3,01,554 8,183.32 2,98,991 8,760.86

Fresh loans of Rs.707.73 crores were disbursed by the Banks to 17,583 beneficiaries belonging to Minority Communities during the quarter ended September, 2017. The outstanding reached the level of Rs.8,760.86 crores in 2,98,991 accounts as of September, 2017 registering a growth of 7.06% over June, 2017. The share of advances to Minority Community to Priority Sector Advances stood at 4.03% at the quarter ended September, 2017. WOMEN ENTREPRENEURS (Rs. in crores)

Particulars September, 2016 June, 2017 September, 2017

A/cs Amt. A/cs Amt. A/cs Amt.

Disbursement of Fresh loans

99,653 888.71 1,23,640 2,825.88 92,489 2,737.76

Outstanding 8,58,416 28,699.27 8,46,454 30,858.35 9,81,396 29,854.18

Fresh credit to the tune of Rs.2,737.76 crores to 92,489 beneficiaries was extended in the State during the quarter ended September, 2017. The outstanding advances reached at the level of Rs.29,854.18 crores in 9,81,396 accounts and stood at 6.09% of Net Bank Credit.

Member Banks are requested to boost up the financing to the Women Entrepreneurs.

(ii) REVIEW OF PROGRESS UNDER HOUSING FINANCE

(Rs. in crores)

Particulars June, 2017 September, 2017

A/cs Amt. A/cs Amt.

Disb. of Fresh loans 31,015 5,377.56 32,834 4,802.46

Outstanding 5,98,964 62,202.15 6,06,394 64,339.17

Page 26: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

26

As per the information made available by the member banks, fresh loans worth Rs.4802.46 crores have been granted to 32,834 beneficiaries during the quarter ended September, 2017 under Housing Finance. The outstanding level reached to Rs.64,339.17 crores in 6,06,394 accounts as of

September, 2017. Bankwise details are given in Annexure - 19.

(iii) SELF HELP GROUPS (SHGs) :

The summary of various parameters under SHGs as furnished by Member Banks for the quarter ended September, 2017 is as under :

(A) Savings Bank account details (Amt. in Rs.lakh)

Savings linkage

Savings Bank A/Cs opened during the quarter ended September, 2017

Total No. of Savings Bank accounts as on September, 2017

No.of SHG Accounts

No.of Members

Savings Amt.

No.of SHG Accounts

No.of Members

Savings Amt.

Total No.of SHG Savings A/Cs

3,622 37,969 296 2,40,513 26,15,286 21,795

Out of above, Women SHG

3,423 36,612 276 2,17,856 23,27,252 19,537

(B) SHG Grading and Sanction

(Amt. in Rs.lakh) Grading and Sanction

Accounts Graded and Sanctioned during the quarter ended Sept., 2017

Cummulative A/cs Graded and Sanctioned during the FY 2017-18

Total accounts Graded

A/cs sanctioned

Sanctioned Amt.

Total accounts Graded

A/cs sanctioned

Sanctioned Amt.

No .of Account 3,924 4,254 4,036 7,274 7,687 7,288 Out of above, Women SHG

-- 4,033 3,857 - 7,270 6,868

(C) Disbursement Details :

(Amt. in Rs.lakh) Disbursement

of Loans Disbursement made during the quarter ended September, 2017

Total loans disbursed during the year 2017-18

A/c disb.

Amt. disb.

Out of total a/c disb.no. of new a/c

Amt.disb. to new

a/c

A/c disb. Amt. disb.

Out of total a/c disb.

no.of new a/c

Amt. disb. to new a/c

Total SHGs 3,801 3,683 2,079 1,991 6,918 6,642 3,953 3,376 Of above, Women SHG

3,562 3,512 2,018 1,947 6,548 6,285 3,684 3,223

(D) Loan Outstanding and NPA (Amt. in Rs.lakh)

Loans Outstanding Loans outstanding as of September, 2017

Out of which, Women SHGs

Accounts Amount Accounts Amount

Total SHG Loans outstanding

51,399 25,714 48,981 24,041

(Amt. in Rs.lakh)

NPA NPAs as on September, 2017 Out of which, Women SHGs

Accounts Amount Accounts Amount

NPA against total loan outstanding

6,274 (12.21%)

2,851 (11.09%)

5,517 (11.26%)

2,379 (9.90%)

Bankwise details have been given in Annexure - 20.

Page 27: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

27

15th Meeting of Sub-Committee of SLBC on NRLM and NULM

The 15th meeting of Sub-Committee of SLBC on NRLM and NULM was held on 28th November’2017 and following major action points enumerated out of the discussion held during the meeting:

1. Development of portal exclusively for SHGs data submission, wherein, Head Office

will submit the district wise total SHG data in the prescribed format which will be

used by Lead Bank Cell/ State Level bankers’ Committee for review purpose. SLBC

is to take up this matter with RBI. This data availability will help to bring the

uniformity in SHG data reported at all levels.

2. Harmonization of following RBI guideline on SHG Finance :

a. RBI Master Circular dtd. 03rd July’2017 on SHG-Bank Linkage Programme. b. RBI circular dtd. 14th January’2016 on Credit Information Reporting in respect of Self

Help Group (SHG) members.

SLBC has also a sent a letter regarding this matter to RBI.

3. Suitable steps to be initiated by Banks, as discussed during the special meeting

convened by NABARD on 21st August’2017 for “Increase in NPAs in Bank lending to

SHGs.” The minutes of the meeting has already been circulated to all banks by

NABARD/ SLBC.

4. GLPC to inform the status of opening of individual account for all SHG Members and

further Aadhaar Seeding in their account. MoRD vide their letter dtd. 17th May’2016,

advised all SRLM to facilitate the account opening of individual SHG member and

further aadhaar seeding in their account.

Other action points of the meeting will be enumerated in minutes of the meeting, which will be circulated to members separately. (iv) REVIEW OF PROGRESS UNDER EDUCATION LOAN :

(Rs. in crores)

Particulars September, 2016 June, 2017 September, 2017

A/cs Amt. A/cs Amt. A/cs Amt.

Disbursement of Fresh loans

4,934 152.19 2,910 80.05 5,544 123.74

Outstanding 53,499 2,016.76 58,886 1,954.34 51,744 1,970.93

During the quarter, Banks have disbursed Education loans to 5,544 students to the tune of Rs.123.74 crores. The outstanding under Education loans stood at Rs.1,970.93 crores in 51,744 accounts as of September, 2017.

Bankwise details are given in Annexure - 21. (v - a) KISAN CREDIT CARD (KCC) : The number of outstanding KCCs in the State has increased from 29,10,578 as of June, 2017 to 29,45,376 as of September, 2017 showing net increase of 34,798 KCCs during the quarter ended September, 2017. The bank group wise break up is : Nationalised Banks - 8,81,329, State Bank Group - 3,72,117, RRBs - 3,01,722, Private Sector Banks – 1,12,956 and DCCBs -12,77,252.

Bankwise details regarding issuance of KCCs are given in Annexure - 22.

Page 28: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

28

(v - b) Progress under formation of Joint Liability Groups (JLGs) & credit linkage The progress in formation of JLGs and its credit linkage received from Member Banks upto the quarter ended September, 2017 and total 93,575 JLGs are formed till the quarter ended September, 2017. Out of total formed JLGs, 36,407 are under Farm Sector of which 30,475 JLGs are credit linked with an amount of Rs.238.57 crores, whereas, 57,168 JLGs are formed under Non-Farm Sector, of which 34,599 JLGs are credit linked with an amount of Rs.254.40 crores. The Bankwise progress is given in

Annexure - 23.

(vi) SWAROJGAR CREDIT CARD (SCC) : Banks have issued 149 SCCs to the tune of Rs. 194 lakhs during the quarter. In all, 11,012 SCCs have been issued and the amount outstanding is Rs.90.46 crores till the quarter ended September, 2017. RRBs have issued 2,991 SCCs whereas the remaining Banks have issued only 8,021 SCCs. Bank wise details are given in

Annexure - 24. (vii) ARTISAN CREDIT CARD (ACC) : During the quarter, 136 ACCs were issued by Banks amounting to Rs.145 lakhs. Thus, at the quarter ended September 2017, the outstanding ACCs were 4,432 amounting to

Rs.29.14 crores. Bankwise details are given in Annexure - 25. (viii) Weavers Credit Card (WCC)

As per the information provided by Member Banks, during the quarter ended September, 2017, 8 WCCs amounting to Rs.2 lakh have been issued. Thus, at the quarter ended September 2017, the outstanding WCCs were 340 amounting to Rs.93

lakhs. The details are given in Annexure - 26. Member Banks are requested to monitor the applications pending at their Branch level and dispose of the same at the earliest. (ix) REVIEW OF CREDIT FLOW TO MSME SECTOR AND CREDIT LINKED

CAPITAL SUBSIDY SCHEME FOR TECHNOLOGY UPGRADATION OF MSE MSME advances stood at Rs.90,046 crores at the quarter ended September, 2017, of which Rs.1,420.07 crores were extended to 10,037 units for technology upgradation under CLCSSTU. During the quarter ended September, 2017, banks have disbursed Rs.925.29 crores to 8,541 units under CLCSSTU. Bankwise details are given in

Annexure - 27.

(x) ADVANCES TO SC & ST BENEFICIARIES : The outstanding advances to SC beneficiaries as of September, 2017 was Rs.3,170 crores in 2,46,318 accounts, forming 7.98% of Weaker Section advances, which was 8.21% as of June, 2017. Similarly, the outstanding advances to ST beneficiaries as of September, 2017 was Rs.2,992 crores in 2,49,338 accounts, forming 7.53% of Weaker Section advances, which was 6.84% as of June, 2017. Bank wise and District wise

details are given in Annexure - 2 & 3.

Page 29: Position of Kisan Credit Cards for the period endedPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 30.11.2017 is as under: Particulars PMJJBY PMSBY

29

(xi) Progress under "Basic Savings Bank Deposit Account (BSBDA)" with overdraft facility and issuance of General Purpose Credit Cards (GCC)

As per the information received from Member Banks, 7,18,529 "Basic Savings Bank Deposit Accounts" have been opened during the quarter ended September, 2017. Banks have provided overdraft facility to 97,746 a/cs amounting to Rs.8.89 crores. Total number of "Basic Savings Bank Deposit Accounts" reached to 1,47,88,315 as of September, 2017 with an amount of Rs.3,983.67 crores in these accounts. During the quarter ended September, 2017, 16,795 GCCs amounting to Rs.500.20 crores have been issued by Member Banks. The cumulative position as of September, 2017 reached 2,57,968 GCCs amounting to Rs.7,609.66 crores.

The Bankwise progress is given as per Annexure - 28 & 29. (xii) Centrewise availability of ATMs As per the information provided by Member Banks, there were 11,698 ATMs in the State of Gujarat as of September, 2017. The centrewise / categorywise details of ATMs vis-a-vis number of branches is as under:

Category No. of Branches No. of ATMs

Metro 2129 4559

Urban 1311 2351

Semi-urban 2246 2810

Rural 3498 1978

Total 9250 11698

Banks have set up good number of ATMs in Metro, Urban and Semi-urban centres, whereas there is a need to set up more number of ATMs in Rural Areas to help the villagers in availing basic banking services at ease.

As per the RBI guidelines, each branch should have an onsite ATM. Member Banks are, therefore, requested to install an onsite ATM at their each and every branch. The Districtwise / Bankwise details are given in Annexure – 30.

(xiii) Pledge financing against Negotiable Warehouse Receipts to farmers

As per the information provided by the Member Banks, finance against NWRs to farmers in Gujarat as of September, 2017 was NIL.

**********